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Teknevra

Where does the concept of "trust vaults" come from in Gringotts and other general banking questions (self.hp_fanfiction)

submitted 3 days ago* (last edited 3 days ago) by Teknevra to c/hp_fanfiction

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I was always confused by this. A lot of fics have these so called "trust vaults" set up for Harry with limited money, meaning that he can only access them and has to wait until he is of age to access his main vault.

Is this canon? Did the Potters really have something like this? A 11 year old can access his/her main full vault as long as he/she has the key, right?

Speaking of Gringotts keys, let's say if Harry took his key from Hagrid before year 1 or from the Weasleys afterwards. Would the goblins allow this and let Harry access his full main vault without adult supervision and allow him to do whatever with it's contents?

Or if Dumbledore or the Weasleys refused to give him his key, could he go directly to the goblins and ask for a new one? Would they give him one? What would Dumbledore say if he knew Harry took back his key?

Would he have any legal ground in demanding it back from him or getting the goblins to block him from accessing his vault without adult supervision? And finally, can the ministry intervene in these situations?

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[–] threelonmusketeers@sh.itjust.works 2 points 2 days ago

Interesting questions!

A lot of fics have these so called "trust vaults" set up for Harry with limited money, meaning that he can only access them and has to wait until he is of age to access his main vault.

Huh, this is new to me.

Is this canon? Did the Potters really have something like this?

I don't recall anything like that in the books. It's possible it was included in a video game or something, but I consider those a "lower tier" of canon than the books.

A 11 year old can access his/her main full vault as long as he/she has the key, right?

That is my understanding, yes.

Would the goblins allow this and let Harry access his full main vault without adult supervision and allow him to do whatever with it's contents?

I assume so. It is Harry's vault and Harry's money, after all.

Or if Dumbledore or the Weasleys refused to give him his key, could he go directly to the goblins and ask for a new one? Would they give him one?

Unless there were some previously established arrangement (which we don't see in the books) between Dumbledore and Gringotts, I don't think Dumbledore could easily get a key to someone else's vault.

Would he have any legal ground in demanding it back from him or getting the goblins to block him from accessing his vault without adult supervision?

Obligatory IANAL, but I think that he would not. As Harry's legal guardians prior to Book 7, the Dursley's might have some legal ground, though I'm not sure if they would be a wise choice to manage Harry's finances...

And finally, can the ministry intervene in these situations?

I suspect that the Goblins would view any ministry intervention quite negatively.

What do you think?